FT INVEST
ActiveSummary
FT INVEST has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €628k and a net result of €85k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 92% of 3674 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 4.36 against 3.97 in 2024; short-term debt: 19.4% and cash: 47.9% of total assets), and 19.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
80.6%
Return on assets
10.8%
Age of the figures
13 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 10-03-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
18 d early
2023
24 d early
2022
39 d early
2021
15 d early
2020
2 d early
2019
42 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close24-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€628k▲ 11.9%
2024 · €562k
2019: €173k
2020: €207k
2021: €356k
2022: €455k
2023: €483k
2024: €562k
2019 → 2025
Total assets
€780k▲ 10.7%
2024 · €705k
2019: €325k
2020: €351k
2021: €510k
2022: €618k
2023: €634k
2024: €705k
2019 → 2025
Net result
€85k▼ 21.5%
2024 · €108k
2019: €24k
2020: €42k
2021: €150k
2022: €107k
2023: €62k
2024: €108k
2019 → 2025
Working capital
€509k▲ 20.3%
2024 · €423k
2019: €161k
2020: €190k
2021: €321k
2022: €379k
2023: €366k
2024: €423k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€356k-€455k▲ 27.6%€483k▲ 6.2%€562k▲ 16.3%€628k▲ 11.9%
Operating result€205k-€148k▼ 28.0%€94k▼ 36.3%€142k▲ 51.0%€113k▼ 20.6%
Net result€150k-€107k▼ 28.8%€62k▼ 42.2%€108k▲ 75.0%€85k▼ 21.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €780k
Fixed assets
€120k ▼ 13.8%
Current assets
€660k ▲ 16.7%
Equity and liabilities €780k
Equity
€628k ▲ 11.9%
Debt
€151k ▲ 6.0%
Debt's share of the balance-sheet total falls from 20.3% to 19.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€147k▼
2024 · €172k
Cash flow
€119k▼
2024 · €138k
Current ratio
4.36▲
2024 · 3.97
Quick ratio
4.18▲
2024 · 3.79
Debt to equity
0.24▼
2024 · 0.25
ROE
13.4%▼
2024 · 19.2%
ROA
10.8%▼
2024 · 15.3%
Interest coverage
181.40▼
2024 · 236.37
Debt ≤ 1 year
€151k▲
2024 · €143k
Income taxes
€38k▼
2024 · €39k
Staff costs
€339k▲
2024 · €301k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€705k€780k▲
Fixed assets21/28€139k€120k▼
Tangible fixed assets22/27€131k€112k▼
Plant, machinery and equipment23€28k€31k▲
Furniture and vehicles24€45k€31k▼
Other tangible fixed assets26€58k€50k▼
Financial fixed assets28€8k€8k=
Current assets29/58€566k€660k▲
Stocks and contracts in progress3€25k€27k▲
Stocks30/36€25k€27k▲
Amounts receivable within one year40/41€7k€7k▲
Other amounts receivable41€7k€7k▲
Current investments50/53€200k€250k▲
Cash at bank and in hand54/58€331k€374k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€705k€780k▲
Equity10/15€562k€628k▲
Contributions10/11€30k€30k=
Reserves13€532k€598k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€529k€595k▲
Amounts payable17/49€143k€151k▲
Amounts payable within one year42/48€143k€151k▲
Trade debts44€47k€64k▲
Suppliers440/4€47k€64k▲
Advances received on contracts in progress46€100€100=
Taxes, remuneration and social security45€85k€87k▲
Taxes450/3€58k€47k▼
Remuneration and social security454/9€27k€41k▲
Other amounts payable47/48€11k€68▼
Accrued charges and deferred income492/3€179€182▲
Income statement
Code20242025
Remuneration, social security and pensions62€301k€339k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€34k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€476k€488k▲
Operating profit (loss)9901€142k€113k▼
Financial income75/76B€6k€10k▲
Recurring financial income75€6k€10k▲
Financial charges65/66B€729€813▲
Recurring financial charges65€729€813▲
Profit (loss) for the period before taxes9903€147k€122k▼
Income taxes67/77€39k€38k▼
Profit (loss) for the period9904€108k€85k▼
Profit (loss) for the period to be appropriated9905€108k€85k▼
Appropriation of the result
Profit (loss) to be appropriated9906€113k€85k▼
Profit (loss) brought forward from the previous period14P€5k-
Transfer from equity791/2€19k€18k▼
Transfer to equity691/2€103k€85k▼
To other reserves6921€103k€85k▼
Profit to be distributed694/7€29k€18k▼
Return on contributions (dividend)694€19k€18k▼
Directors or managers695€10k-
Social balance
Average headcount (FTE)90876.96.2▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
13-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-08
Financial
Equity above €500kEq €562k ▲16.3%
6 profitable years in a row build equity to €562k.
07-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
16-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-08
Financial
Highest result since 2019net €150k ▲260%
Operating result €205k, net result €150k, both a record.
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-08
Financial
Equity above €200kEq €207k ▲19.3%
2 profitable years in a row build equity to €207k.
18-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
21-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Koksijde · 1 establishment unit since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Dorpsstraat(Odk) 68670 KoksijdeGround area
781 m²
Building footprint
375 m²
Volume, LiDAR
5,355 m³
2 parcels, Flanders · tallest building 28.4 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
DE KLIPPER
since 20102.189.841.019
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38018B0062/00_000 | Flanders | 499 m² | 1 · 117 m² | 10.7 m · 1 fl. |
| 38502G0050/00_000 | Flanders | 282 m² | 1 · 257 m² | 28.4 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,039 EUR awarded · 1,039 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 444 EUR | 444 EUR |
| 2024 | 1 | 176 EUR | 176 EUR |
| 2023 | 1 | 176 EUR | 176 EUR |
| 2022 | 1 | 243 EUR | 243 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyKoksijde2.189.841.019
Legal Entity Identifier
875500MKH99VNO0AG771
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Malle · Eq €626,851
LYMOEN
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ALSACIENNE NAMUR
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Namur · Eq €630,143
Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 5,653 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2004
Fiscal year end31-08
Activities, NACEBEL 2025
56111Full-service restaurants
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.